EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Upstart Holdings's Enterprise Value is €4,100.9 Mil.
Upstart Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-247.8 Mil. Therefore, Upstart Holdings's EV-to-FCF for today is -16.55.
The historical rank and industry rank for Upstart Holdings's EV-to-FCF or its related term are showing as below:
FRA:855'
s EV-to-FCF Range Over the Past 10 Years
Min: -118765.23 Med: -7.06 Max: 351.68
Current: -16.34
During the past 9 years, the highest EV-to-FCF of Upstart Holdings was 351.68. The lowest was -118765.23. And the median was -7.06.
FRA:855's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs FRA:855: -16.34
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Upstart Holdings's PE Ratio (TTM) for today is calculated as:
Upstart Holdings's share price for today is €27.695.
Upstart Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.323.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Upstart Holdings EV-to-FCF Related Terms
Upstart Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Upstart Holdings's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Upstart Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Upstart Holdings EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Upstart Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Upstart Holdings's EV-to-FCF falls into.
Upstart Holdings's current Enterprise Value is €4,100.9 Mil.
Upstart Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-247.8 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Upstart Holdings (FRA:855) has a EV-to-FCF of -16.55 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Upstart Holdings and its competitors. According to the industry distribution chart, Upstart Holdings ranks #999999 out of 265 companies in the Credit Services industry.
Is Upstart Holdings' EV-to-FCF too high?
Upstart Holdings' current EV-to-FCF is -16.55. Based on the distribution chart, Upstart Holdings ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Upstart Holdings has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Upstart Holdings' EV-to-FCF compare to WU and BFH?
According to the Credit Services industry distribution chart, Upstart Holdings ranks #999999 out of 265 companies for EV-to-FCF. This places Upstart Holdings in the lower half of its industry. The industry median EV-to-FCF is 13.02. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Upstart Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upstart Holdings's current EV-to-FCF is -16.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upstart Holdings stock overvalued right now?
Based on GuruFocus' analysis, Upstart Holdings (FRA:855) is currently considered Possible Value Trap. The stock's GF Value™ is €50.49, compared to a current price of €27.70 — trading 45.1% below its estimated fair value. The current EV-to-FCF is -16.55. Upstart Holdings' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Upstart Holdings (FRA:855), the current EV-to-FCF is -16.55 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Upstart Holdings (FRA:855) Overvalued in 2026?
Based on GuruFocus' analysis, Upstart Holdings stock appears to be undervalued.
The current stock price of €27.70 is trading 45.1% below its estimated GF Value™ of €50.49.
GuruFocus considers Upstart Holdings to be Possible Value Trap.
Key valuation signals for FRA:855:
EV-to-FCF: -16.55
GF Value™: €50.49 vs. price of €27.70 (45.1% below fair value)
No single metric tells the full story. See the FRA:855 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upstart Holdings Inc provides credit services. The company provides a proprietary, cloud-based, artificial intelligence lending platform. The platform aggregates consumer demand for loans and connects it to the network of Upstart AI-enabled bank partners. The company support development of different lending product offerings, which are grouped into three operating segments - Personal Lending (unsecured personal loans and small dollar loans), Auto Lending (auto refinance, auto retail loans, and auto secured personal loans), and Other (HELOCs and other).
62GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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